Democratizing Digital Investments Through a Secure, Scalable FinTech Platform

Customer Snapshot

Industry: FinTech / Digital Investments

Region: Kenya

Platform: JamiiPesa Digital Investment Platform

Engagement Model:

• Product Build
• Platform Scaling
• Innovation Enablement

The Challenge

JamiiPesa set out to democratize access to investment opportunities traditionally reserved for institutions and high-net-worth individuals - in a market where trust, education, and regulation play a decisive role.

Key challenges included:

Expanding access in a regulated, education-heavy market

• Strong demand for financial inclusion
• Limited access to traditional fixed-income investments
• Low familiarity with blockchain and digital investing
• Evolving fintech and regulatory frameworks

The platform needed to launch quickly, validate demand, and generate traction — without locking itself into regulatory or architectural dead ends.

Technical & operational complexity

• Heavy reliance on third-party systems (payments, identity verification, blockchain)
• Complex platform upgrades and backend refactors
• Ensuring reliability across multiple integrations
• Maintaining delivery velocity during team transitions

The Goal

• Enable early market entry while managing regulatory risk
• Provide low-barrier access to fixed-income investments
• Build trust through transparency and reliability
• Establish a scalable, compliant platform foundation
• Lay the groundwork for AI-driven financial guidance

Scrums.com Solution

Scrums.com applied a phased, risk-aware product and engineering strategy, balancing speed, compliance, and long-term scalability.

Key components included:

Market-first product strategy

• Enabled early launch of bond investment products that did not require immediate regulatory approval
• Created alternative revenue streams while pursuing full compliance in parallel
• Designed the platform to support low minimum investments and multi-currency support (KES & USD)

Secure, transparent investment infrastructure

• Integrated Kaleido for secure, immutable investment logging
• Ensured transaction transparency and auditability
• Built trust through verifiable investment records
• Positioned JamiiPesa between traditional finance and crypto-only platforms

Platform reliability & engineering excellence

• Built a comprehensive automated test suite covering all third-party API integrations
• Reduced integration risk and improved deployment reliability
• Achieved 100% sprint completion during key delivery cycles

AI-driven innovation roadmap

• Designed and initiated an AI enhancement roadmap, including:
  • Personalized investment recommendations
  • Financial education and explainability features
  • Behavioural nudges to promote healthy investing habits
  • Predictive cash-flow and portfolio insights

Compliance, KYC & trust enablement

• Implemented robust digital onboarding using Smile Identity
• Ensured KYC and AML readiness without adding friction
• Maintained a parallel regulatory approval track while continuing delivery

Results

• Early market entry achieved without blocking on regulatory approvals
• Improved platform reliability through stronger test coverage
• Stable integrations across payments, identity, and blockchain services
• Consistent sprint delivery despite technical upgrades and refactors
• Expanded access to fixed-income investments for underbanked and digital-native users
• Platform positioned for both individual and corporate investors

JamiiPesa successfully validated demand while laying a strong foundation for compliant, long-term growth.

Why This Matters

For emerging-market fintechs, success depends on balancing access, trust, and regulation.

JamiiPesa achieved:

• Faster market entry with controlled regulatory risk
• A trusted, transparent investment platform
• Strong differentiation through blockchain-backed verification
• Low investment barriers supported by local payment methods
• A roadmap toward AI-enabled financial empowerment

This case demonstrates how fintech platforms can innovate responsibly - without slowing momentum.

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Scrums.com helps fintechs enter markets faster, manage regulatory risk, and build platforms users trust.

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